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Case Study

June 5, 2024

Sound of Music digitises its financing from Zinia through payever

How a Stuttgart-based musical instrument retailer is creating new financial flexibility with payever and Zinia

Flexible financing for high-quality musical instruments: a retailer breaks new ground

A musical instrument retailer in Stuttgart offers a wide selection of high-quality products – from guitars to pianos – in a 600 m² showroom. However, when it comes to higher-priced instruments in particular, many customers are faced with the question of financing. The retailer recognised early on that some of its customers would like to pay in instalments – but this was not possible with the previous financing tool, as many applications failed the credit check. The demand was there, but difficult to calculate: ‘Most customers do without financing,’ says the retailer.

From the Yamaha partnership to a seamless financing solution

As part of a partnership with Yamaha, he became aware of Zinia, Santander's financing solution. The technical integration was carried out via payever – and proved to be a decisive step. ‘We came to Santander Bank through Yamaha,’ says the retailer. ‘Since we started using payever, the integration of Zinia has been much easier.’

commerceOS

​Seamless Payment

Point of Sale

POS Zinia Lending Germany

Solutions in Use: POS Zinia Lending GER & CommerceOS

Seamless checkout: Customers use Zinia for larger purchases

Today, Zinia is seamlessly integrated into the checkout process – both online and in-store. This gives customers the flexibility to finance their purchases. Even though the retailer emphasises that financing does not yet account for a large proportion of purchases, there is a clear effect on the size of the shopping basket: ‘The average shopping basket is around £200, but financing also makes purchases between £3,000 and £4,000 possible.’ In addition, targeted advertising helps to make the topic of financing more visible and further promotes its use.

​Up to

€60.000

​Thanks to the integration of Zinia, we also enable shopping carts beyond €60,000 – flexibly financed and seamlessly integrated into the checkout.

‘Simple, trustworthy and technically sound implementation’

For the retailer, one thing is clear: the combination of Zinia and payever offers exactly the flexibility that customers expect when making larger investments – simple, trustworthy and technically stable integration. Or as he sums it up himself:
‘Thanks to payever and Zinia, we were finally able to offer our customers flexible financing – and the technical support made integration a breeze.’

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